Two-thirds ofAmericans believe the economy will get worst….Survey….

Nearly one quarter (23%) of people say a lack of emergency savings is the one financial issue that keeps them up at night. Some 22% who say they don’t have enough retirement savings, 20% fear they’ll be the victim of some kind of fraud, 19% worry about losing their job, 9% fret about losing their health insurance and 7% say poor credit is the one thing that keeps them awake at night.

‘If I had to wager a bet on it improving in the next 12 months or getting worse, I would vote in the direction of the economy getting worse.’

—Debbie Psihountas, professor of finance at Florida Southwestern State College

That’s according to a survey released Thursday by personal-finance site WalletHub.com. With credit-card debt now exceeding $1 trillion, it may be less of a surprise that 4 in 10 people say they overuse their credit card. In fact, 3 in 10 people describe their finances as a “horror show.” (A slew of recent researchsuggests people have only a few hundred dollars saved for a rainy day.)